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1. Investment Component: For insurance products with investment features, detailing investment terms and conditions

2. Beneficiary Provisions: Detailed provisions about beneficiary designation and changes, required for life insurance policies

3. Grace Period: Special provisions for payment grace periods and policy reinstatement

4. Loan Provisions: Terms for policy loans, if applicable

5. Riders: Additional coverage options and their terms

6. Premium Waiver Conditions: Circumstances under which premium payments may be waived

7. Participation in Profits: For participating policies, terms of profit sharing or dividends

1. Schedule A - Premium Schedule: Detailed breakdown of premium calculations and payment schedule

2. Schedule B - Benefits Schedule: Comprehensive list of benefits and coverage amounts

3. Schedule C - Exclusions: Detailed list of exclusions and limitations of coverage

4. Schedule D - Investment Options: List of available investment options and their features (for investment-linked policies)

5. Appendix 1 - Claims Documentation: List of required documents for different types of claims

6. Appendix 2 - Policy Illustrations: Numerical examples of policy values and benefits over time

7. Appendix 3 - Risk Disclosure Statement: Detailed disclosure of risks associated with the policy

8. Appendix 4 - Service Level Standards: Timeline and standards for various service requests and claims processing